There are plenty of startups trying to become the “Uber of Financial Advisors.” The platform model might work for highly specific financial advice, if not for all-in-one advisors. Critics say the Uber model only works for services that require people to keep paying for lasting benefit. Our questions and concerns:

If you need a financial advisor in the next 5 minutes, isn’t it too late?

Beneath the high-profile crowdfunding uh-ohs, there are true underlying risks to the business model. Pooled risk, lack of transparency, and limited risk from platform providers are holding back the crowdfunding industry from fulfilling its many use cases. Ahem, regulators?